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Disability Insurance, also known as coverage for incapacity, offers financial support in the event the insured becomes physically or mentally incapacitated and is unable to work. In Yogyakarta, disability insurance operates under the broader umbrella of social security in Indonesia, which is managed by Badan Penyelenggara Jaminan Sosial (BPJS) Ketenagakerjaan - the Workers’ Social Security Agency.
The relevant laws and regulations concerning disability insurance in Yogyakarta fall within laws of the Indonesian government such as the Law Number 24 Year 2011 about the Social Security Organizing Agency (BPJS).
Legal assistance can be crucial in navigating disability insurance claim disputes, coverage denial, understanding policy terms, or when you believe your insurance rights are being violated. A lawyer can help understand complex regulations, prepare documentation, represent you in court if necessary, and negotiate with insurance companies on your behalf. Furthermore, an attorney would be well versed in updates or amendments in the legal framework surrounding disability insurance in Indonesia.
BPJS Ketenagakerjaan covers four major risks: old age, accidents, death, and pensions. Its provisions for disability are covered include the total permanent disability scheme. Under the Manpower Law Article 18(2), employers are obligated to register their employees with BPJS Ketenagakerjaan and contribute to these insurance schemes. Non-compliance with these laws can result in criminal sanctions.
Additionally, Indonesia's Disability Law (Law Number 8 Year 2016) mandates equal treatment for people with disabilities, including in terms of employment and social protection. This regulation might also indirectly influence disability insurance provisions and policies.
The total permanent disability scheme provided under BPJS Ketenagakerjaan covers disabilities resulting from either an occupational accident or disease, as well as non-occupational illnesses or accidents that cause an employee to lose their capacity to work entirely and permanently.
Yes, as per Manpower Law Article 18(2), it is compulsory for employers to register their employees for disability insurance with BPJS Ketenagakerjaan. Non-compliance can lead to legal penalties.
Yes, an individual, including informal workers, can voluntarily register for social security schemes, including disability insurance, with BPJS Ketenagakerjaan.
The procedure involves submitting a disability claim accompanied by a disability assessment report from a doctor at a government hospital or appointed hospital. The BPJS Ketenagakerjaan will review the claim and complete further procedures.
Yes. If your claim is denied, you can file an appeal and provide further evidence or documentation to support your claim.
If an employer does not register an employee for social security, they can face fines and legal action. Victims can report to the BPJS Ketenagakerjaan or Indonesia's Ministry of Manpower.
The amount of benefits depends on the terms outlined in your insurance policy and it typically constitutes a certain percentage of your monthly earnings.
Partial disability is not covered under Indonesia's total permanent disability scheme. Coverage depends on the specific agreements of individual private insurance policies.
The BPJS Ketenagakerjaan and the Ministry of Manpower, Republic of Indonesia, are the primary resources to get updated and official information related to disability insurance. Additionally, various non-profit organizations and legal aid centers can provide guidance and assistance concerning disability rights and insurance claims.
If you require legal assistance, consider consulting with a lawyer who specializes in disability insurance. Prepare all necessary documents such as income details, medical records, and insurance policy details before your consultation. Understand your rights under the legal framework of Indonesia, and do not hesitate to seek assistance if you believe your rights are violated.
